How to restore KBM after replacing rights: procedure

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Every motorist may be faced with the need to replace a driver's license. As a rule, this happens after the loss of a document. However, regardless of the reason, the bonus-malus coefficient disappears, as a result of which the cost of insurance services increases significantly. Faced with this, most people immediately succumb to despair, because they think that nothing can be done. But this is far from true. There are a couple of effective methods, ways that will allow you to return a discount for an accident-free ride. Let's look at each of them and find out how to restore KBM after changing rights with minimal problems.

The main reasons for the disappearance of the discount

Let's take a closer look at this. Resetting the bonus-malus coefficient can occur not only after obtaining a new driver's license. Of course, most often this reason is to blame, since some motorists simply do not know or forget to notify the insurancecompany that they have a new document, so the corresponding changes are not made to a single electronic database. But it also happens that the problem is caused by a computer failure or a banal human factor, for example, an IC employee or an insurance agent simply made a mistake in the last name or first name. Therefore, every person who has his own vehicle and regularly travels on it should know how to restore the KBM after replacing the rights. Regardless of why you lost the discount, the algorithm for restoring it will be the same. An exception is a situation in which an unscrupulous insurance company deliberately does not want to provide benefits to its customers in order to increase its own profits. In this case, the situation is also fixable, but the methods for solving it will be different. More details about each of them will be discussed below.

Recovery of the bonus-malus ratio

So what do you need to know about this? The most common is the case when drivers discover that the KBM has disappeared after changing the rights, so we will pay special attention to this particular problem. At the same time, most motorists think that they will have to accumulate accident-free driving experience from the very beginning, but it can be restored and continue to enjoy honestly deserved benefits when applying for auto citizenship.

If you need to replace your rights, then immediately after receiving a new document, you need to contact your insurer's office and write a statementstandard sample, which indicates the date of receipt, as well as the series and number of the old and new certificates. If you find that the discount has disappeared during the renewal of the OSAGO policy, then in this case, the first thing to do is to establish the cause of the incident, since without it it will be very difficult to achieve anything.

Determine the date the discount disappears

It is not difficult to return the KBM after changing the rights, but for this you must determine the approximate time when it disappeared. To do this, you can contact the organization with which you entered into an insurance contract and request this information from it. According to the legislation, insurance companies do not have the right to refuse service to drivers, but if this happens, you can go to the portal of the Russian Union of Motor Insurers and proceed to the section that stores the history of changing the bonus-malus coefficient for each driver. For example, if last November it was 0.8, and after only a month it dropped to 0.7, then it was during this period that a mistake was made, and therefore, you can easily determine who is to blame for what happened.

However, in order to return the OSAGO KBM after the replacement of rights, this information will not be enough. You will be required to submit certain documents confirming the fact that the IC is really to blame for the loss of the insurance discount. To do this, you need to print out the data on the change in the bonus-malus coefficient and present it to the culprit of the problem. If you don't have any evidence, then you can't get justice.succeed.

Collecting documents

So what do you need to prepare? If you are interested in the answer to the question of how to restore the KBM after replacing the rights, then you should understand that you will have to tinker a little. To return the discount to the previous size, you will need to prepare a certain package of documents. When contacting the UK to apply, you must have the following with you:

• original civil passport and copies of the first two pages;
• new driving license;
• old insurance policies that have expired.

If you didn't save OSAGO, you will need to submit similar documents, on the basis of which the insurance company will be able to make the necessary calculations. This may be a certificate confirming the conclusion of a contract for vehicle insurance.

Action algorithm

This aspect should be given special attention. So, how to restore KBM after replacing rights? After identifying the organization that made the mistake and collecting all the necessary documents, you will only have to apply for recalculation and restoration of the discount.

It must contain the following:

1. General information. To whom and from whom the appeal is directed. The heading contains the full name of the insurance company, and below - your last name, first name and patronymic, date of birth and address of actual residence.
2. Driver's license information. ATas the reason for the appeal, you must indicate that the rights have been replaced and you need to update information about them in the unified electronic register. However, you must attach a copy of the new document to the application.
3. Insurance information. You must list the series and number, as well as the date of issue of all insurances that have not expired at the time of application.
4. At the bottom of the document is the date of filling out the application and a personal signature.

If you do everything right, then restoring the KBM after changing the rights will not take much time. However, not all insurance companies meet the needs of the client and help in solving the problem. In this case, you can go for more radical methods.

Appeal to the Central Bank of the Russian Federation

The Central Bank of the Russian Federation regulates the activities of insurance companies and determines the current tariff rate. Therefore, if the UK refused to consider your application, then you can file a complaint against it. The Central Bank has a huge influence on insurers, so they are very afraid of it. For severe violations, the loss of a license is expected, therefore, at the mere mention of the intention to apply to the Central Bank, most insurers, as a rule, make concessions in relation to their clients. However, it is important to consider one important nuance here. The regulator is handling complaints for policies that expired no later than one year ago.

Appeal to the Russian Union of Motor Insurers

How does this process happen? If you need to restore the KBM after replacementright, RSA is perhaps one of the most reputable organizations in the Russian insurance market, capable of helping in solving many issues. The thing is that the Central Bank, although it regulates the activities of insurance companies, nevertheless does not have the authority to make adjustments and corrections to a single database, since this is under the jurisdiction of the PCA. The organization's website has a special page where citizens can register their complaints. You can also download official forms to fill out here.

Action algorithm

If you find that you have KBM 1 after the replacement of rights and the insurance company refused to solve the problem, then you must file a complaint about it with the PCA. You can do this right from home, and the whole procedure takes place as follows:

• download the application form and fill it out;
• register the document with the secretary;
• apply for the recalculation of the bonus-malus coefficient.

That's all. After that, the staff of the organization will review your application. As a rule, it takes one month, and you will receive an answer about the decision to the e-mail specified during registration on the portal. Most often, the problem can be solved, but if you get a refusal in the PCA, then this is a significant reason for litigation. If you can prove your case in court and win, then the insurance company that made a mistake will not only forcibly make all the necessary changes to a single electronic database, but alsowill reimburse you.

What documents do I need to submit when filing a complaint?

Restoring KBM after changing the rights through the PCA is not so difficult and, according to many drivers, very quickly. In most cases, motorists manage to achieve a positive result and they are returned a well-deserved discount for the absence of accidents on the road. But in order for your complaint to be registered, the following documents must be attached to the application:

• original current and old insurance policy;
• document certifying the absence of an accident for a certain period of time;
• copy of new driver's license;
• insurance for several people.

The package of documents is quite standard and will not take much time to prepare.

Conclusion

The bonus-malus ratio is a privilege that gives you the opportunity to save a lot on your car insurance. Therefore, if you suddenly notice that it is not there, then you need to contact your insurer for a trial. The discount recovery procedure itself is quite simple and does not take much time, but it is very important to do everything on time. Therefore, do not postpone the problem indefinitely, but immediately proceed to solve it.